Mobility Scooter Insurance

Mobility scooter insurance is growing in popularity, but most people do not know much about it. To help you decide whether mobility scooter insurance is right for you, we have put together an informative guide, which covers the costs, pros and cons, technical jargon, popular providers and much more.

What is Mobility Scooter Insurance?

Mobility scooters provide freedom, and help users maintain their independence. They are used by millions of people everyday, on roads, pavements and pedestrian areas throughout the UK.

From theft to accident cover, insuring your mobility scooter can provide security and peace of mind. Unlike a car, you are not legally required to insure your mobility scooter. However, there are risks when using a mobility scooter, and you may need to pay compensation if you have an accident and damage a person or property.

Many mobility insurance policies also include a range of features to help keep your mobility in great condition, including wheel puncture repairs, breakdown recovery, replacement key services and much more.

Types of Mobility Insurance

There are a wide number of mobility scooter insurance providers, and each provide different packages, inclusions and optional extras. Below we will explore some of the different types of insurance you are likely to find.

Standard Mobility Scooter Insurance: These policies will provide the basic level of protection, and are also generally the cheapest. These packages normally provide public liability insurance, which protects you if you have an accident and damage a person or property.

Theft Protection Mobility Scooter Insurance: These policies will provide public liability insurance protection if you have an accident and damage property or a person. They will also cover you if your scooter is stolen. In most cases, you will be provided with a hire scooter until a replacement is provided, to ensure you do not lose your mobility and independence.

Mobility Scooter Insurance Extras: Most insurers will have a range of optional extras that you can add to your package to increase your coverage. Some of the most common extras include breakdown recovery, puncture repairs, key replacement, etc. Some providers also allow users to change the amount of public liability insurance they have, which will influence the cost of insurance.

All-Inclusive Mobility Scooter Insurance: To help simplify your insurance, many insurers provide packages that include everything needed to protect you and your scooter, as well as breakdown recovery, puncture repair, etc., all rolled into one policy.

Breakdown Recovery: Whilst not insurance, breakdown recovery services are popular in the UK. If not part of an insurance policy, these services will not provide protection from theft or accidents, but will ensure that you are recovered if your mobility scooter breaks down.

To ensure that you choose the right package for you and your requirements, it is important that you compare mobility scooter insurance prices, inclusions and policies.

Mobility Scooter Insurance Providers

Below are some of the best rated and cheapest specialist insurers in the UK. You can find more information about mobility scooter insurers here.

Surewise Mobility Scooter Insurance

Fully comprehensive insurance from £44 per year

Surewise provide specialist insurance and breakdown recovery for mobility scooter users. They have a number of packages, with differing prices and inclusions, ensuring you can choose the right package to suit your needs.

Surewise has exceptional reviews, with an average rating of 9.3 out of 10 based on over 1,000 independent reviews. They also offer a price match guarantee, ensuring they have the best value cover on the market.

Surewise offer a breakdown and recovery service, ensuring you will be looked after 24/7 365 days a year.

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  • Theft & Damage Cover (up to £10,000)
  • £2 Million Public Liability Cover
  • Personal Accident Cover (up to £20,000)
  • Multiple Packages Available
  • Replacement Scooter Hire
  • Worldwide Cover (excl. North America)

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  • Public Liability Insurance Lower than other insurers
  • Third-party repair and recovery service

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ETA Mobility Scooter Insurance

Fully comprehensive insurance for £60 per year

ETA Insurance is a specialist insurer, providing mobility insurance and breakdown recovery services. Their all-inclusive cover gives you peace of mind.

ETA is highly recommended online by their current customers. They are one of the most experienced insurers in the UK, and also voted Britain’s most ethical insurance company.

If you breakdown, ETA will be able to quickly send out one of their 5,000 recovery vans to get you back on your way.

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  • Theft & Damage Cover (up to £3,500)
  • £5 Million Public Liability Cover
  • Personal Accident Cover (up to £20,000)
  • Lost & Broken Key Cover
  • Free Breakdown Assistance & Recovery
  • Replacement Scooter Hire

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  • Third Party Cover for users aged between 16 – 85 years
  • Only ‘all-inclusive insurance’ packages available

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Do I need mobility scooter insurance?

Legally, you do not require mobility insurance, even if you use your scooter on the road. However, if you use your scooter in busier locations, or are worried about theft, a mobility insurance plan may be an easy and cheap way to put your mind at ease. Below are some of the benefits and disadvantages of insuring your mobility scooter.

Benefits of Scooter Insurance

  • Personal accident insurance – protecting you
  • Public liability insurance – protecting others
  • Peace of mind and financial security
  • Affordable plans available
  • Theft & vandalism protection
  • Hire of a replacement scooter
  • Breakdown recovery, puncture repair & key replacement

Disadvantages of Scooter Insurance

  • Ongoing annual cost
  • Added extras can be expensive
  • Increases the cost of owning & maintaining a scooter
  • Reading policy terms and conditions can be tedious & confusing

Whilst the benefits of mobility scooter insurance seem to outway the disadvantages, it is important to decide for yourself whether you need insurance and can afford the added costs.

How much does mobility scooter insurance cost?

There are a number of factors that can influence the cost of mobility scooter insurance, but generally you should expect to pay from approximately £40 to £100, depending on the policy inclusions and coverage.

Some of the factors that can influence the price of mobility scooter insurance include:

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  • Class of your Mobility Scooter
  • Local vs Worldwide Coverage
  • Breakdown Recovery
  • Puncture Repair
  • Amount of Public Liability Insurance (PLI)
  • Scooter Cost
  • Your Location
  • Previous Claims for Mobility Insurance

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Mobility Scooter Insurance Providers

Below we have provided a list and comparison of some of the best mobility scooter insurance providers in the UK. We also have more detailed guides available on each of the providers at the bottom of the page.

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Who is the best mobility insurance provider?

As insurance is normally tailored to an individual, it is hard to highlight just one provider as the best mobility scooter insurer. Prices can vary depending on your scooter, location and requirements. Some users may only require a basic level of cover, whilst others may want to have an all-inclusive policy.

The best mobility scooter insurance provider is the one that suits your needs and budget, so it is always a good idea to check with a few insurers before picking the right one for you.

Affordable Mobility Scooter Insurance

When taking out insurance, it is important that you choose a policy that both covers everything you need and is affordable. Cheaper insurance for mobility scooters normally starts at around £40 for a basic policy, and prices increase as you include more features and inclusions.

A few tips on ensuring you get a great deal on your insurance:

Check multiple insurers. Like with all types of insurance, a great way to find the best deals is to shop around. In the UK, there are a number of fantastic providers, with many providing affordable mobility scooter insurance prices.

Consider a specialist mobility insurance provider. Insurance providers who cater to the specialist needs of the mobility industry will not only have a better understanding of your requirements, but are also more likely to provide a better overall policy.

Read reviews and feedback. If a price seems too good to be true, it is a good idea to do a little research. Read reviews and customer feedback to gain a better understanding of a potential insurer.

Have a clear insurance record. Just like car and home insurance, most mobility insurers will want to know whether you have made a claim in the past. Those who have not previously made a claim will often receive the cheapest mobility scooter insurance prices.

Take out a multiple year policy. Almost all mobility insurers provide clients with discounts when taking out a multi-year policy. Whilst it may cost more initially, if you take out a 2 or 3-year insurance policy, you can save as much as 20% compared to an annual plan.

Insurance Alternatives

If you have house insurance, your mobility equipment (including mobility scooters) may be protected by your current insurance policy. It is always a good idea to check with your home insurance provider to find out what your policy protects. Also, be mindful that protection of mobility aids and equipment may only apply when your equipment is at home and not whilst away from your property.

When buying a new mobility scooter, you will normally receive a warranty. Generally, a warranty will last at least 12 months, and will ensure that your scooter is repaired or replaced if it develops a fault. Even if you are buying a second-hand mobility scooter, many retailers will provide a warranty, although it will often be much shorter compared to a new scooter.

Whilst these alternatives may replace certain aspects of specialist scooter insurance, they are unlikely to provide all of the inclusions offered in a mobility scooter policy.

Common Technical Jargon

Just like any insurance policy, if you are looking to insure your mobility scooter, it is likely you will come across some technical jargon and technical words. Below are a few of the most common words and phrases in mobility insurance policies, along with simple explanations, to ensure you know exactly what your insurance includes.

Invalid Carriage: Mobility scooters are often legally referred to as ‘invalid carriages’. The term is also used for other mobility equipment, such as wheelchairs.

Class 1 Invalid Carriage: Class 1 refers to a manual wheelchair. These chairs are self-propelled or attendant-propelled, and do not have motors for movement.

Class 2 Invalid Carriage: Class 2 Invalid Carriages include powerchairs and mobility scooters that are limited to 4mph. Class 2 mobility scooters and powered wheelchairs are not permitted on roads, but can be used on pavements and pedestrianised areas.

Class 3 Invalid Carriage: Class 3 mobility scooters and powerchairs are capable of travelling up to 8 mph, and are allowed to travel on certain roads once registered with the DVLA. They can also be used on pavements and pedestrianised areas, but must be limited to 4 mph.

Public Liability Insurance: Also commonly abbreviated to as “PLI”, Public Liability Insurance is protection if you have an accident and cause damage to people or property. This insurance will cover legal costs, compensation, repairs, medical costs, etc., if you damage a person or property.

 

Important Information

When taking out an insurance policy, it is recommended that you read all of the terms and conditions, and understand exactly what your policy does and does not include. If you do not understand any of the wording or phrases, ask the insurer to provide an explanation.

If you are in an accident or your scooter is stolen, you will most likely require a police report in order to claim from your mobility scooter insurer. The requirements of making a claim will be provided to you by your insurer.

How do I make a claim?

When you take out an insurance policy with a provider, you will be provided with information on how to make a claim. It is important to keep your policy information safe. Provide your insurer with all the information they require to ensure that your claim is processed fast, and any repairs, payments of replacements are quickly sorted.

Most insurance providers will allow you to make a claim online, but others may require you to call. Remember to have all of incident information with you to ensure your claim is promptly dealt with.

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Frequently Asked Questions

Below are a selection of the most frequently asked questions when considering mobility scooter insurance. If you need more help, please get in touch.

Do I need a licence to drive a mobility scooter?

No, you do not need a licence to drive a mobility scooter, but there are some criteria that must be followed. The law states that only disabled people are permitted to use Class 2 and Class 3 mobility scooters (unless you are performing a sales demonstration or training). Read more about the rules and criteria for using a mobility scooter here.